Legally Get Your Medical Marijuana Card in Colorado

[ad_1]

Many people across the Country use cannabis for medicinal purposes. Luckily for those in the state of Colorado they can now legally seek relief without fear of the law. In the November 2000 general election, the people of Colorado voted to legalize the use of medical marijuana for persons suffering from debilitating medical conditions. Amendment 20 allows a patient to have up to 2 ounces of cannabis in their possession and grow up to 6 plants.

What does this mean for you? Well, if you have one of the qualifying medical conditions then just follow this simple guide to legally apply for your medical cannabis card.

First you will need to schedule a medical marijuana evaluation with a state approved doctor. There are many resources for researching and choosing a compassionate doctor across Colorado, so be sure to do the proper research to find a reputable source. It's best to provide this doctor with your medical records if possible. While this makes the process easier for everyone, it's not required at many locations.

Your doctor will need to diagnose you with one of the following conditions to be eligible for the official Colorado Medical Marijuana Registry:

  • Cancer
  • Glaucoma
  • HIV or AIDS or a medical condition or treatment that produces, for this patient, one or more of the following and which, in the physician's professional opinion, may be alleviated by the medical use of marijuana.
  • Cachexia
  • Severe Pain
  • Severe Nausea
  • Seizures (including those characteristic of epilepsy)
  • Persistent muscle spasms (including those characteristic of multiple sclerosis)

Once your doctor approves the recommendation, they will need to fill out the Physician Certification form. Only licensed medical doctor's in good standing with the state of Colorado may sign this form. Next is your official Registry Application Form. This needs to be signed, dated and notarized in front of an official state Notary. Then you need to include a photo copy of a valid Colorado ID (driver's license, state ID, etc). Finally, a $ 90 non-refundable application fee must be paid by an included check or money order payable to CDPHE.

All forms are available for download from the official Colorado Department of Public Health website. Be sure to make photo copies of everything! Then package and mail all the materials to the Registry's Office within 60 days of the doctor's signature:

Colorado Department of Public Health and Environment Medical Marijuana Registry or MMR HSVRD-MMP-A1 4300 Cherry Creek Drive South Denver, CO 80246-1530

That's really all there is to it! Next you will have to play the waiting game because the Registry's Office is currently way way on approving new applicants. Estimated wait times can be up to 6 months from when the Registry Office receives your application. The good news is you can use photo copies of all your documents as your temporary proof of registration until you receive your card in the mail.

[ad_2]

Visiting South Dakota Falls Park on the weekend and explore the entire park

[ad_1]

Falls Park in downtown Sioux Falls covers 123 acres. This park has 7,400 gallons of water and includes a viewing tower, outdoor housing, houses Winter Wonderland and a variety of Christmas ornaments season every year.

Daylight Saving Time for the Falls park holds it open from 5 am to 12 pm. However, one thing is very strict, that people can not drink alcohol in the park here Falls.

Weekend highlights

Located in South Dakota with a & # 39 is Sioux Falls and is a charming place for a great weekend. There is plenty to do in the next trustees with & # 39 is Palisades State Park. There is a purity maintained and impassable region, as well as basketball and hockey teams local to sell their games. However, remember to play in cooler areas.

Do not miss

Walking through the city, Sioux Falls allows you to walk through the city center to the serine of the park and back to the eastern shore. The city is clean, like a dream, and cutting-edge restaurants, offering the best brewery as CH Patisserie. You can try the bees in the yard Midwest Hit Monks House.

driving laws

  • Limiting the maximum speed is 80 miles per hour. On the highway, the speed limit is 55 to 80 miles / h, while maintaining the exclusion in urban areas near Rapid City, Sioux Falls and North Sioux City.
  • South Dakota strict about the use of seat belts for children as well.
  • Drivers must slow down at least 20 miles per hour of the speed limit in two-lane roads, but drivers in the highway should merge into the far lane and the motorist should slow down for a car that runs from yellow or amber flashing lights.
  • Drivers must be over 18 years old and must wear a protective helmet and even the passenger must have a device to wear eye protection.
  • Prohibited parking regulations it is necessary to know such as the lack of parking within 15 feet of a fire hydrant in front of a private or public road, within 20 feet of an intersection or crosswalk, within 30 feet of any punctuation mark, intermittent sound signal or traffic,
  • Other places where it shows, parking is prohibited.

Remember that violations of the laws of South Dakota parking punished with fines, and if you are paying a parking ticket, your insurance rates with the & # 39 are safe.

transport

  • The nearest station Webber (East Side), and a 9-minute walk, while Weber fourth Se Corner takes 12 minutes walking and sixth Kilian College a 15 minute walk.
  • On the way, take the Minnesota Avenue north to 6th Street, turn east and after 3 blocks go to the Philips Avenue. Turn north and follow the road to get to the Falls Park. Parking Center on your left at the first set.

point of attraction

Queen Bee Mill

This seven-story is Richard Pettigrew & # 39; s brainchild. He bought the land and built the structure of the art plant, which processes every day about 1,500 bushels, but it was closed in 1883 due to lack of supply of wheat and hydropower.

Winter Wonderland

There are spectacular fire in the park every year from mid-November until mid-January. This attraction should not be missed.

There are many permanent sculptures in the park all, including rotating sculpture pieces.

Park open-air Shelter
This farmers and # 39; The market house for special events and large picnics.

[ad_2]

Colorado Creative Music Case Study Part 2

[ad_1]

STEP Analysis

The STEP analysis of the Colorado Creative Music aims at analyzing macro-environmental factors of the music business the company is engaged into. These factors fall into political, economic, social and technological groups (Pearce, Robinson, 2000).

Political factors affecting music business in whole and CCM in particular: strong political stability in the United States; regulatory and legal issues relating music business including copyright laws for copyright protection of both music writing and recording, copyright-related legislation touching upon the issue of virtual internet promotion and distribution, such as The Audio Home Recording Act (1992), No Electronic Theft ( (1997), "The Digital Performance Right in Sound Recordings Act (DPRSRA) 1995, The Digital Millennium Copyright Act," Pending legislation: Music Online Competition Act and the Consumer Broadband and Digital Television Protection Act (CBDTPA) "and others . Environmental regulations and employment requirement does not affect business CCM is engaged into. As for the tax policy, in 2000, from total income of $ 216,614.05 the company had to pay $ 4,744,97 of taxes, which is not high rate and amounts to nearly 2 In whole, it should be noted that political factors are favorable for music recording industry and for CCM particularly.

Economic factors include indexes in the macro economy that can affect music recording industry. Here also, macroeconomic factors, such as economic growth, interest rates and inflation rate are favorable for CCM. Thus, the US economy declined growth steadily since 1995. CPI falls down in 1997, 1998. Unemployment rate declined gradually from 1995 to 2000.

Social factors, covering demographic and cultural aspects of the environment external to music recording industry are rate of population growth, age distribution and carrier attitudes. The population growth in the United States is steady and age distribution also favors the music recording industry. It should be noted that for music industry in whole, teens and 20-years-olds are primary customer segment, but CCM aims at attracting people of 40-60 age range. Thus, the consider share of American population fits this target market.

Technological advances in music recording, promotion and distribution have several effects on the recording industry. One aspect of the issue is that musicians are no longer dependent on major recording labels to create or distribute their products. (Viljoen & Dann, 2000) The MP3 software alternative to the CD becomes more popular since 1998. In the space traditional audio can fit 12 to 15 audio tracks; MP3 software can store approximately 150 music tracks. "The move towards MP3 as the new format to replace CD just as the CD replaced vinyl albums have been accelerated by the rush of new portable MP3 players on the market – some for less than conventional Sony Discmans." (Viljoen & Dann 2000, p. 173). On the other hand, new digital technologies which appeared in late 20 century not only facilitated the process of music recording, but make it considerably cheaper, providing the possibility for multiple firms with limited resources to enter the market. Thus, if in 1980s, professional recording studio with all recording equipment, working on vinyl or tape carriers, cost several million dollars and therefore was a domain of 5 or 6 major recording companies, in 2000, assembling professional recording studio could be carried out at cost of only $ 5,000. All the equipment and hardware, due to the global advances in technology, are much more affordable for an average artist or businessman.

SWOT Analysis

Strengths

* Cost advantages with new technology arising from the digital revolution. Not only assembly of studio with all necessary equipment and hardware is cheaper, but duplication of CDs, storage and shipping are less expensive as well. Low cost of production, duplication (duplication of 500 CDs ranges from $ 1.90 to $ 3.63, duplication of 2000 CDs costs about one dollar per CD), shipping and storage makes the final product less expensive and more affordable for the customers, thus widening the range and scope of the target market.

* Positioning of CCM in a distinct market niche. CCM is a microlabel recording company which specializes on classic and traditional instrumental music.

* Growing customer base and customer loyalty within target group. Customer base growth due to expansion of product lines (4 already, each year 2 new product lines emerge), and geographical coverage of listeners.

* Good customer service shown through the direct contact between Darren and his fans.

Weaknesses

* No clear strategic vision: CCM needs a long term vision which includes all areas of the business, from marketing and management to distribution and human resources. At the moment the company faces a dilemma of further strategic development, which will be focused on either enhancing or developing the recording company or more active promotion and distribution of the products through the possibilities of other companies (the company is currently regarded by its management as potential object of acquisition or investment)

* Competitive disadvantages: CCM are not able to enter the retail market due to its current level of sales. Competitors such as major labels have advantage because they have major market power and influence. Such firms can specify when their music should be played on radio and negotiate large contracts with distributors and retail outlets, hence giving themselves forwarder appeal.

* Limited channels of distribution: at present moment the company heavily relies on such distribution sources as direct sales, which include sales at the gig, shopping mall distribution and sales in the back end (800 number order, website order processing and mail orders). These channels are major sources of profit for the company. Neverheless, to expand its consumer base, the company needs to acquire formal distribution channels, such as sales through traditional music distribution networks and others.

* CCM is short in financial resources to pursue new opportunities. Profits are thin, meaning new opportunities may be unobtainable and long term improvements may not be afford due to initial costs. To conclude a contract with major labels, which would provide the company with the access to traditional product distribution, the firm needs to sell at least 15,000 copies of its products per year. From the other hand, high sales numbers are impossible to obtain without good traditional distribution channels.

* CCM is losing ground to larger firms because of limited exposure. CCM at present does not reach global or national audience like independents and major labels. CCM needs to broaden its reach and widen its customer base.

Opportunities

* Serving additional customer groups by expanding co-operation with other artists and enlarging the Acoustictherapy and other product lines with new marketing strategies.

* Internet through expanding e-commerce and releasing MP3s.

* Expanding sales nation wide.

* Acquiring channels of traditional distribution to reach wider customer base exposure

* Developing new technologies to cope with the driving forces of the industry.

* Releasing compilations with other artists has proved popular. One strategy could be to assemble the songs (such as Accoustictherapy) at the studio, and sell the completed disks at a discounted rate back to the performing artists in their hometowns. This method would cover the costs up front and give the players a financial incentive to push the product.

* Pushing sales into non-traditional areas such as weddings, shopping center music etc.

Threats

* High number of new entrants and growth of other smaller labels due to the digital revolution. In addition, major labels or independent labels could decide to enter into CCM's domestic markets and try to drive the smaller labels out of the market.

* Lose sales to substitute products like mp3s or internet downloads

* Vulnerability to industry's driving forces because of CCM's weak position in its industry, taking into consideration the fact that the company occupations microlabel segment of the market and is profitably primarily due to the low costs of digital recording.

Five Forces Model of Competition

Michael Porter's model of competition (Porter, 1980), if applied to music recoding industry, follows the following components: Rivalry among sellers of recorded music (competition for better market position and competitive advantage); artists and other suppliers of music to producers or sellers of recorded music; distributors, retailers and individual customers of the music; competitive pressure coming from substitutes of recorded music towards winning customers; and threat of new entrants to the industry of recorded music.

Perhaps, the strongest competitive force belongs to such factor as Rivalry among producers and sellers of music products. The music recording industry has 4 clearly identifiable segments: major recording studios, independent labels, microlabels and vanity labels.

Major, or first-tier, companies have large quantities of artists under contracts, reaching the number of 100, specialize on multiple types of music – rock, country, jazz, classical, traditional and other, and have formal and reliable national and international channels of distribution. The examples of such companies are Columbia, Sony Music, EMI, GMG, Warner Brothers, Atlantic Records and some others. As the mater of fact, such companies are not numerous and their recording equipment is rather expensive, amounting to no less that couple million dollars, since these studios record music with analogue and not digital equipment, so receiving three-dimensional, saturated, rich sound , instead of correct but plain digital sound.

Independent labels have 10-100 artists under contract, focus on recording of one or two major music styles and have either national or most often regional distribution channels. Examples of independents are: Higher Octave, Metal Blade Records, Rhino Records, WAR, Windhan Hill, Soundings of the Planet. Such companies are more numerous than first-rank companies and can use analogue equipment as well as digital. Generally, independent labels strive to grow into major ones, but for that they need to invest large amount of money into amelioration of their equipment.

Microlabels have less then 10 artists under contract and are tightly focused on definite style of music. They are characterized by small staff and manager performing as the leading artist of the studio. Microlabels have rarely formal distribution system and heavily sold on direct sales to fans and wholesale to clubs and specialty retailers. On American market, microlabels are presented with Etherian, Evol Egg Nart, Cuneiform Records, CCM and a large number of others. Typically, such companies survive competition due to low cost of digital recording.

Vanity labels are the fourth, the last and the most specialized segment of the music recording industry. They are founded by independent artists for recording and selling their products. Examples of vanity labels are Bob Culbertson, Watson and Company, Lao Tizer, Esteban Ramirez and many others. (Darren & Winn, 2003). At present, CCM is the microlabel that drives to convert into independent label.

In the first place, the competition among rivals is transported out on the basis of popularity of the performer and songs recorded by their companies. Recording studios intensively compete to attract popular of promising artists to sign contracts with them. If the songs or artists are highly popular, price is secondary factor which may influence the competition. However, if the artist is less-known or songs recorded are not very popular, price does play role as the competition and strategy factor. In the distribution process of the rivals, the particular importance is attached to getting access to traditional channels of music distribution, such as retail musical stores, major chain record stores, independent record stores and Internet distributors such as Amazon.com. These means are very important for selling CDs of the artists apart from direct sales on their performances. Also, another factor that greatly influences CD sales is advertising of songs and radio promotion and transmission.

For CCM, rivalry is by far the most important competitive pressure source. The strong competition from rival producers and sellers of music can be explained by the fact that the performers of CCM are not known to the wide public in comparison with the artists of the first-tier and independent labels.

The competitive threat of new entry, is, to the opposite, by far the weakest competitive force, ranked between weak and moderate. Barriers for entry are not high for the new producers of recorded music, especially those targeting limited segment of the market and employing cheap digital technology of recording. CCM can serve the brightest example of such entry. Such cheap digital recording technology can be assembled nowdays for no more than $ 5,000. Still, expensive analogue technologies keep costing hundreds of thousands or even millions. The technology employed by the firm automatically determinates its resources and rank in the music recording industry. Beside cost of the equipment, the main subject of the competition for new entrants will be distinct market share and sales volume. Considerable sales volume, in its turn, depends on the ability of new entrants to attract famous, popular or widely known performers and singers whose songs are able to get to the top of the popular charts. Given the fact that all popular artists have already signed contracts with major recording studios, this is a significant barrier for new entrants. Another important barrier is gaining considerable channel of distribution. Generally, large distribution centers and music CD retailers are interested in selling the music of famous performers and unwilling to accept the products of relatively unknown artists. For the CCM, the threat of new entry is not very strong, since the company targets rather narrow market segment. Although, if the new entrant uses the same recording technologies, distribution channels and targets the same niche in the market, the fact may become an issue of major importance.

Competition from substitute products can be considered moderate competitive force in the music industry. Such substitute products are being presented in the form of providing consumers with the possibility to listen music with other that CD means such as radio, cable TV music channels, live concerts, local bars or night clubs with live performances or recorded music, and internet. Internet has become by far the most important and strong substitution to traditional buying CD, since music provided on the web is most often cheaper or completely free and is not much inferior in quality than .wma format of CDs. Therefore, for certain amount of people these means serve as effective substitutes, but for music fan, buying official CD is obligatory. In the case of Colorado Creative Music, people can enjoy the performance on live concerts of these artists and decide not to buy their CD. Therefore, from CCM's perspective, this may be regarded as fairly significant competitive force.

The forces left are bargaining power of suppliers and bargaining power of buyers and collaborative buyer seller relationships, which are both strong competitive force.

The first, bargaining power of suppliers depends on the popularity and reputation of artists. Those who are popular and whose records sell well, have strong bargaining power, they can choose among numerous recording studios. CCM specializes on recordings of infamous artists, and therefore it enjoys weak bargaining power, since artists involved with CCM do not have many alternatives for studio record and CD distribution.

Bargaining power of buyers and cooperative buyer-seller relationships is very strong competitive force. The major distributors of recorded music supply CDs to the leading music stores and other retailers of music, these leading distributors stock about 40,000 copies of a CD and work on 60-90 working schedule retaining the privilege of full return of investments for the unsold copies. So called "one-stops" are distributors which provide products for the independent music stores in smaller quantities and very often with limited range of music types. Usually such distributors prefer to handle stock CDs of the very popular artists or at least well-known artists and often they are not interested in going into distribution of CDs of unknown performers. Therefore, CCM faces great difficulty in acquiring decent and formal distribution, especially in getting its products sold by such music stores as Sam Goody, Tower Records, Borders Books and Music, and Barnes and Noble.

Also, a great role in the distribution process is played by getting the music heard by people so that they would be more willing to buy the CDs. This includes playing the music on the radio stations, on TV music channels and including soundtracks into movies. Until the performers and artists of CCM became so famous that they are asked for in retail music stores, the company has little chances to receive considering representation by major CD distributors. The manager of the company, Darren Skanson, has contacted some retailers on his own and found out that it is very time-consuming and onerous task to get his CDs distributed by retailers in his own local area. The people he hired to tackle the problem had little luck either. CCM has had some experience of selling the CDs through one-stop distributor, but it was not very successful due to high mark imposed by the distributor on the CDs of CCM. In the long run, Darren plans to make his product lines such as Darren Curtis Skanson, Music for Candles and other artists, popular enough to have their CD distributed through major music stores. But at the present moment, predominant part of CCM sales volume stems from direct sales such as sales at the gig, shopping mall distribution and internet, mail and telephone orders of the musicians' CDs.

[ad_2]

Cancer victims may be qualified to receive compensation from the government

[ad_1]

If you have been diagnosed with cancer or lost a loved one to cancer, you know that there are funds available from the government to compensate you? The program, established in 1990, is called a program of radiation exposure compensation, and provides compensation of individuals infected with certain types of cancer and other suras & # 39; oznyh disease after irradiation, released during the above-ground atmospheric nuclear weapons tests or after their professional radiation exposure during operation in the industry with an increase in the uranium to the cold war.

Downwinders, or the people who live in certain areas around the polygon, has the right to receive has received $ 50,000 In order to qualify as a downwinder, the applicant must live or work in some counties in Utah, Nevada and Arizona for at least two years in the period beginning with the January 21, 1951 and ending October 31, 1958, or, for the period beginning June 30, 1962 and ends on 31 July 1962.

District covers in Utah with a & # 39 are Beaver, Garfield, Iron, Kane, Millard, Piute, San Juan, Sevier, Washington, and Wayne; in Nevada County Eureka, Lander, Lincoln, Nye, White Pine, and that part of Clark County, consisting of townships 13 and 16 at a range of 63 through 71 (which does not include the Las Vegas or any of the surrounding suburbs); and in Arizona, county Apache, Coconino, Gila, Navajo, and that part of Yavapai Arizona, which is located to the north of the Grand Canyon in the Mojave County.

Downwinder also must also contract one of the following listed conditions: leukemia (other than chronic lymphocytic leukemia), multiple myeloma, lymphoma (except Hodgkin & # 39; s disease), and primary thyroid cancer, male or female breast, esophagus, stomach, throat, small intestine, pancreas, bile ducts, gall bladder, salivary gland, bladder, brain, colon, ovaries, or liver (except as cirrhosis or hepatitis shown) or legkihov.

Downwinder can apply his or her own name, or a family member of the & # 39; and can apply on behalf of the deceased family member & # 39; and when he or she would qualify of life. There are several categories of applicants, other than a single filers:

1. Husband: Husband can apply on behalf of a deceased husband, even if her husband is alive, since remarriage. In order to apply for a husband, you were married to him or her for at least one year prior to their death.

2. Father: a child can apply on behalf of a deceased father, if no wife lives that otherwise would be entitled to file a lawsuit. You have to share compensation with live sisters or brothers, that you may have, including adopted brothers and sisters who lived in the same house as the father of the deceased.

3. The child is the father can apply on behalf of the deceased child. If both parents are still living, they have borrowed divided equally compensated.

4. Grandparent Grandson may file on behalf of deceased ancestors, but only if there is no living husband, not children living ancestors. All the grandchildren share equally compensated. Grandparent may also apply on behalf of the grandchildren of the deceased, when there is no one of the parents is alive, who is qualified to file a lawsuit.

On-site participants from & # 39 are those persons who participated in the above-ground nuclear tests or have worked in one of the test sites in Nevada, the Pacific, the Trinity, or the South Atlantic. These participants are entitled to $ 75,000 if after participation in place party contracted one of the following listed conditions: leukemia (other than chronic lymphocytic leukemia), lung cancer, multiple myeloma, lymphoma (except Hodgkin & # 39; disease) and primary cancer thyroid, male or female sex of breast, esophagus, stomach, pharynx, small intestine, pancreas, bile ducts, gall bladder, salivary gland, bladder, brain, colon, ovarian or hepatic (except in cirrhosis or hepatitis in the indicated) Egypt.

Uranium Workers have the right to receive $ 100,000. There are three categories of uranium workers, including miners and millers ore conveyors.

1. uranium mines. Eligible individuals are exposed to 40 or more working level months of radiation, or has worked for at least one year in the uranium mines located in Colorado, New Mexico, Arizona, Wyoming, South Dakota, Washington, Utah, Idaho, North Dakota, Oregon and Texas, at any time during the period beginning on January 1, 1942, ending December 31, 1971, subject to the payment of the disease include primary lung cancer and some benign diseases of the respiratory system.

2. Uranium Mill workers. Eligible persons working at least one year in the uranium plants in Colorado, New Mexico, Arizona, Wyoming, South Dakota, Washington, Utah, Idaho, North Dakota, Oregon and Texas, at any time during the period beginning from January 1, 1942, and ends December 31, 1971, subject to the payment of the disease include primary lung cancer, some benign respiratory disease, kidney cancer, and other chronic renal diseases including nephritis and kidney damage fallopian tissue.

3. Ore Carriers. Eligible persons working at least one year of transporting uranium ore or vanadium-uranium ore from mines or factories located in Colorado, New Mexico, Arizona, Wyoming, South Dakota, Washington, Utah, Idaho, North Dakota, Oregon and Texas at any time during the period beginning on January 1, 1942, ending December 31, 1971, subject to the payment of the disease include primary lung cancer, some benign respiratory disease, kidney cancer, and other chronic renal diseases, including ny nephritis and renal damage uterine tissues.

If you or your loved one fall into any of these categories, please contact Laura Taylor, a lawyer, to determine how to proceed with the lawsuit. Ms. Taylor can be reached at (928) 776-2457.

[ad_2]

Colorado Springs Real Estate

[ad_1]

Colorado Springs is a place of mesmerizing beauty and splendor. It’s a place where anyone would like to own a home. If you are one of them, then your wish and decision is commendable. Either you are a local of Colorado Springs and want to acquire another house; or you are a resident of some other state and want to relocate or invest in real estate in Colorado Springs. Here you can get the best of deals and property to invest in. Whether you are looking for mountain property or a roof space in the down hill area, you’ll find anything and everything you desire.

How to go about buying your dream house in Colorado becomes the first most important question.

All you need to start with is keeping certain things in mind in order to get the best property. Buy property through a reliable realtor or real estate agent. As they do all the paperwork and footwork for you, all you have to do is sign and pay for your property. But if you don’t want to hire one, you need to start with first educating yourself well about the real estate of the city. Talk to your friends already living in that area. Tap the forums on the Internet.

Decide on a budget and look for the properties that fall within your budget. Look for the financing schemes on the property. If you decide on buying something, take a close look at it. With the help of these few measures you can end up investing in the best property.

[ad_2]

Easy way to get access to your free online credit report

[ad_1]

When applying for a loan, those loans you the money want to know if you are going to pay them back. One of the ways to solve them, if you are a good risk to see how you & # 39; in dealing with others, and # 39; s money. They find this information in your credit report.

Your credit reports three major credit bureaus and the Bureau then evaluate you. If you are planning, it would seem to apply for a loan, knowing what they say about you is a good idea. So you can take care of any problems, and to know about them before you start.

It & # 39; easy

How to get your hands on your credit report is easy. All you have to do is call the credit bureau number and follow their instructions:

Equifax
options
PO Box 740123
Atlanta, GA 30374-0123
http://www.equifax.com

Experian
Consumer Opt Out
PO Box 919
Allen, TX 75013
http://www.experian.com

Trans Union
Name Removal Option
PO Box 97328
Jackson, MS 39288-7328
http://www.transunion.com

However, it is even easier to do online. Just go to the specified website and get started. Here are a few things that you will need to:

# Full name – this includes the middle, maiden, junior, senior, and III, etc.

# Social Security number – you should have one to do it online

# Driver & # 39; License information from – your DL number plus state

# Current address and your address in the past five years – if you have more than one in the last five years, then you need to get each of them

# Date of Birth

# Signature – Internet requests, you must enter your name and follow their instructions

# Home Telephone Number

# Employer – if you work

# Credit or debit card to pay a fee – it is usually $ 8 to $ 10

Coming Free to your area soon

Since December 2004, you can get a free annual copy of your credit report. Then get your credit report will be even easier. Instead of going to the three major bureaus, you can go to the sources centralizedized free number or Web site.

Schedule gradually access to free credit reports:

December 1, 2004: Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming.

March 1, 2005: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota and Wisconsin.

June 1, 2005: Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee and Texas.

September 1, 2005: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia and West Virginia, Puerto Rico, and all US territories.

How your credit report online is easy and getting easier all the time. It is in your best interest to check your credit reports annually, so you can check for errors, and detect problems quickly enough to correct them.

[ad_2]

Colorado's Flat Tops Wilderness Area: An In-Depth Look

[ad_1]

Encompassing a breathtaking 235,214 acres, the Flat Tops is the second largest swath of roadless wilderness in Colorado. Accessible only by foot or on horseback, the area provides unrivaled opportunities for solitude and escape. Whether hiking, riding horseback, fly-fishing or big game hunting, those who visit the Flat Tops are almost always drawn back for more.

Topography

Even those familiar with Colorado landscapes are surprised when they visit the Flat Tops for the first time. Its terrain is as unique as it is beautiful, unlike any other Rocky Mountain experience.

As its name suggests, immense plateaus are the dominating feature of the area. Foreboding cliffs guard the edges of the wilderness. Beyond the frame of these escarpments, visitors to the interior of the Flat Tops are greeted by sprawling forests of aspen and conifer. The tops of plateaus are gently rolling, allowing forests to mingle with large open parks and meadows.

But between the easy terrain of the plateaus, deep incisions cut the land and drop neatly away to the tumbling creeks below. Hundreds of miles of trout streams entice anglers and the combination of meadows, timber and steep terrain provide a paradise for elk and mule deer hunters.

The highest reaches of the flat tops are its rounded volcanic peaks and the expansive tundra that roll beneath their feet. Over 100 lakes are scattered about the interior of the wilderness, many of them unnamed, providing trout fishermen with even more thrilling opportunities.

Wildlife

The wildlife inhabiting the Flat Tops is as varied as its topography. From valley bottoms to lofty peaks, hundreds of species thrive within the protected confines of the wilderness.

One of the area's most numerous inhabants is the Rocky Mountain elk. The elk here in the Flat Tops are part of the larger White River herd, the largest in Colorado and subsequently in North America.

Elk can be found from the open tundra to the lowest river bottoms, depending on the time of year and weather. Elk are primarily grazers, meaning grass is their first choice in food sources. When grass is harder to find, they will browse from low growing shrubs and even aspen trees.

Mule deer are another common big game species found in the flat tops. Deer can also range from timberline to river bottoms, but will usually migrate downhill faster than the elk when the snow begins to fall. Deer are primarily browsers, which means they prefer shrubs and leaves to grass. Because of this, deer will often be found in areas of heavy oak brush, currant or other low-growing deciduous plants.

Above timberline and up to the rocky peaks, big horn sheep can be found through the Flat Tops wilderness. These sturdy mammals with their heavy curled horns avoid predators by relying on their eyesight in wide-open places and their agility to escape over treacherous terrain. Big horn sheep are the state animal of Colorado.

The Flat Tops' most fearsome predator is the mountain lion. Although rarely seen, mountain lions patrol the wilderness for mule deer and other prey. It is estimated that an adult lion can kill up to one mule deer a week. These animals are notoriously shy of humans however, and to see one can be a lucky opportunity.

While often thought of as predators, black bears are actually just opportunistic omnivores. They'll eat just about anything they can find. Black bears are numerous in the Flat Tops area but because of their tendency towards nocturnal activity, they are not often seen.

Small mammals inhabiting the wilderness include marmots and pika, which hikers can often spot in rocky slopes near tree line. Weasels, ermine and pine marten can also be found in the woods, but are mostly nocturnal and shy of humans.

Finally, the rivers and lakes of the Flat Tops are home to a number of different fish species. Most notably, Colorado's native cutthroat trout can be found throughout the area. These beautifully colored trout grow to healthy sizes and provide anglers with endless entertainment. Brook trout are also common in the area.

Activities

As a designated wilderness area, the Flat Tops is closed to all motor vehicles and any mechanized forms of transport, such as mountain bikes. This leaves the entire area free to explore on foot and on horseback in unmatched solitude. It is truly a wilderness experience.

Hikers and backpackers have an array of options and places to explore, with well over a hundred miles of trails. The area is expansive however, and travel on foot usually limits visitors to the outer edges of the area.

One of the easiest ways to explore the interior of the wilderness is on horseback. The ultimate wilderness ATVs, horses and mules can take visitors to places that would otherwise be extremely difficult to reach. Horses and mules also allow visitors to carry comfortable camps into the heart of the wilderness where guests can fish, hunt, photograph or simply enjoy the alpine scenery without another soul around.

Fishing is a very popular activity in the area. The remote nature of the Flat Tops' waterways and lakes means they see very little fishing pressure. Fish here do not often see an artificial fly and are eager to strike. From little brook trout in small streams and beaver ponds, to hefty cutthroat, there are opportunities to fit a wide range of fishing preferences.

It goes without saying that the Flat Tops Wilderness is also a hunter's paradise. Home to one of the largest elk herds on the planet and trophy mule deer, hunters looking for a true, western big game hunting experience, will find exactly what they're looking for in the Flat Tops.

Perhaps the best way for hunters to access the area is on horseback. The sheer size of this wilderness leaves much of the interior unpressed and here, hunters will find excellent populations of game.

As a federally protected wilderness, the Flat Tops is a gem in the heart of the Rocky Mountains of Colorado. Whether visiting with your camera, fishing rod or hunting equipment, there are opportunities for any type of outdoor enthusiast. The area is most easily accessed from Interstate 70 in western Colorado.

[ad_2]

Search and bid on state and municipal contracts and IP

[ad_1]

State and local government bids and OPP, as we know, it is hard to find. Unlike the federal government, which spends most of its purchases through the GSA schedules or FedBizOpps.gov, state and local trades are a large number of sources across the web – on government web sites, public works, pages, a third-party Web sites contract and newspapers on the & # 39; ads.

To find these offers, you can watch on newspaper about the & # 39; ads or websites of specific public entities near you. If your business operates only in North Dakota, it's easy and takes less than an hour a day. However, if your business operates in the larger states, in several states, or if you have an hour a day to spend, as a service to BidPrime.com & # 39 is a cost and time effective solution for reducing the severity of the placement of these valuable and often miss an opportunity.

So I # 39; We are determined by the skilled guide, but now what? First, check the qualifications and terms related to trading in the tender documents or to request a proposal.

What to look out for:

  • Make sure that your company has the right to participate in the auction. for minorities, women, or veteran-owned businesses Some rates are fixed reserved.
  • Look for any pre-bid conference listed and take note of any required of them.
  • You must be a registered seller to make a bet?

After verification of the initial qualification, it # 39; s wise to keep track of the essence & # 39; s website, where the rate was posted to show any additions or changes. Some organizations have to notify you of changes, if you have expressed interest in the auction already. Checking on this site every few days, the bidding process may be wise.

Some of & # 39; sites will place a sign on letter to pre-bid conference or have a utility to view previous awards. This information can be used as a valuable intelligence to develop a competitive rate. If on the & # 39; The object is not to send this information to the Internet, you can sometimes request one employee Procurement Agency. This contact should be your main point of contact for any questions related to the bidding documents of the application, specification, adds and changes. This information should be in the tender documents or the site; However, if you can not find this information, BidPrime & # 39; technical support team to be able to help you to help.

Your suggestion to & # 39 is your sales pitch for your company. Make sure that you thoroughly and that you meet the requirements and give a competitive yet profitable bet. Listing why you are the best candidate from the & # 39 is an effective way, because sometimes contacts are not awarded to the lowest price.

There are many resources on the Internet to fill the template response that will be at a different position. The most valuable resource for issues of this kind with a & # 39 is your local procurement Technical Assistance Center (PTAC).

Finally, it is important to remember that companies often lose more government contracts than winning.

[ad_2]

Scuba Diving, Colorado Style

[ad_1]

Colorado is a landlocked state hundreds of miles from the nearest coast, but you can still enjoy scuba diving; Colorado has a number of lakes and rivers that can offer challenge and enjoyment. A Colorado scuba diving vacation is not as far-fetched as you might think. For those who are "hard core" about their scuba diving, Colorado lakes and rivers are just as good as anyplace in the world.

The Town That Drowned

One of the more interesting destinations for a Colorado scba diving vacation is Horsetooth Reservoir southwest of Fort Collins. In 1946, the federal Bureau of Reclamation chose the site of the town of Stout, located along the La Poudre River. By 1949, the dam was completed and Stout, which had been established only seventy years earlier as a camp for stone quarry workers, had to be abandoned. The remains of the town are still under water at the lake's southern end; with proper training and dive equipment, Colorado scuba divers can enjoy a fine adventure.

Historic Mining

After outfitting at their local Colorado diving gear supplier, scuba diers may wish to head for the high country to the historic mining community of Leadville, where scenic Turquoise Lake is right nearby. The lake offers some excellent opportunities for exploration through scuba diving; Colorado's mining industry was the heart and soul of the state's economy for decades. Given the nearby town's historic significance, who knows what interesting artifacts one might encounter on a Colorado scuba diving vacation?

Getting Your Dive Equipment

Colorado has its fair share of stores that sell proper equipment, staffed by experienced personnel who also offer certification courses. Colorado diving gear suppliers can also give you insight as to where in the state to go. If you have the time and money to go further afield, however, the fine folks at Colorado diving gear supply stores can also arrange scuba diving vacations to other, more exotic destinations as well.

In any event, you will need to be certified before you go scuba diving. Colorado requirements are just as stringent as other places in the US, and this of course is for your own safety; you'll need to know about the normal hazards, safety practices and how to properly use and care for dive equipment. Colorado instructors can take you through this process and help you get ready for scuba diving colorado style.

[ad_2]

Audio Recording Laws in the US

[ad_1]

With so much technology in the market these days, it is easier to record conversations than ever before, either by landline, mobile phone or even in person with a hidden recording device.

Recorded conversations (such as tape or digital) are often very useful in a variety of scenarios. This audio recording can help in the investigation of misconduct of employees or business or personal lawsuits, even potential criminal investigations.

This is very important, however, to make sure that any record or with a phone call or talk to the person responsible with federal and state laws. Otherwise, you may very well open yourself to criminal charges or civil lawsuits. And it is unlikely that you will be able to legally use the entries for its original purpose.

So, if you think about recording some phone calls or placing a voice activated recorder in the room to record conversations, you should take a look at applicable laws.

The first place, also known as the Law on Electronic Communications Privacy to see it in the federal wiretapping law. Federal law allows telephone calls (traditional cellular and wireless) and other electronic means of communication, which will be recorded with the consent of at least one of the parties in the conversation.

This means that if you're one of the people who take part in the conversation, it can be written, because one person (you) has consented to the recording. If you do not take part in the conversation, at least one of the people in the conversation must be aware of and consent to the recording.

You can not stop, however, after consideration of federal law, and assume that your entry passes muster. Each state and territory has its own laws regarding the recording of conversations. Most state laws wiretapping and eavesdropping based on the federal law and make it possible to record with the consent of one of the parties to the conversation.

37 states that allow one party recording of oral communications agreement with the & # 39 are: Alaska, Arkansas, Colorado, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Nebraska, Nevada , New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin and Wyoming.

DC also allows people to record conversations with the consent of only one party. Nevada has one party consent state, but there is some question about how the law should be interpreted by the courts. This could be considered a state of all the parties' consent.

12 states, which will certainly require all parties to the conversation consent before it can be written to the & # 39 are: California, Connecticut, Delaware, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, New Hampshire, Pennsylvania and Washington.

In California, there is an exception. You can record a conversation with the consent of only one party, if a certain criminal activities (kidnapping, extortion, bribery or crime of violence) participates.

Thus, the basic rule is that it is illegal to record conversations or messages that you are not a member, if you do not have the consent of at least one, if not all, of the participants.

The obvious exception to this general rule with the & # 39 is that law enforcement can obtain permission from the court to take no-consent wiretaps in the investigation of the criminal case. For the subtleties of your own state laws and requirements, you should always consult with a lawyer.

[ad_2]